Who Has Cheap Orlando Auto Insurance Rates for Infrequent Drivers?

The words “economical” and “auto insurance” really shouldn’t be used in the same sentence, especially when shopping around for the cheapest car insurance for infrequent drivers. To save some money, let’s lead off by showing you a few of the factors that help determine insurance prices, and see if you can take a little off the next policy you buy.

The vehicle model requiring insurance is one of the primary factors when trying to find cheaper auto insurance for infrequent drivers. Vehicles with high performance engines, poor passenger safety features, or a high likelihood of having liability claims will cost much more to insure than more economical and safe models.

The next table shows coverage rates for the most cost-effective automobiles to buy coverage for.

Cheapest Vehicles to Insure in Orlando, FL
Make and Model Estimated Cost for Full Coverage
Ford Escape Limited 2WD $1,133
Honda Accord EX-L 4-Dr Sedan $1,200
Honda Odyssey EX W/Rear Entertainment $1,286
GMC Sierra SL Extended Cab 2WD $1,312
Chevrolet Impala LT $1,318
Nissan Altima 2.5 4-Dr Sedan $1,312
Honda CR-V EX 2WD $1,360
Toyota Camry SE $1,382
Ford F-150 STX Regular Cab 2WD $1,398
Ford Edge SE 2WD $1,407
Nissan Rogue S 2WD $1,406
Chevrolet Silverado LS Crew Cab 4WD $1,408
Chevrolet Silverado 2500HD LTZ Crew Cab 4WD $1,416
GMC Sierra 2500HD SLE Crew Cab 4WD $1,408
Hyundai Elantra SE Touring Station Wagon $1,480
Toyota Camry Hybrid $1,501
Toyota RAV4 Sport 2WD $1,506
Toyota Prius $1,511
Ford Explorer Eddie Bauer 2WD $1,525
Dodge Grand Caravan SE $1,532
Chevrolet Malibu LT $1,532
Toyota Tacoma Double Cab 4WD $1,542
Toyota Corolla S $1,585
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Price data assumes single female driver age 40, no speeding tickets, no at-fault accidents, $1,000 deductibles, and Florida minimum liability limits. Discounts applied include safe-driver, homeowner, multi-policy, claim-free, and multi-vehicle. Rate information does not factor in vehicle location which can change auto insurance rates greatly.

Looking at the numbers, models like the Ford Escape, Honda Accord, and Honda Odyssey are some of the most budget-friendly vehicles to insure for low mileage drivers.

Finding reliable, affordable insurance is not always easy, and deciding which companies have the cheapest insurance rates for infrequent drivers involves a bit more work. Each insurer uses a different method to establish rates, so first we will examine the insurance companies with the most affordable rates in Orlando, FL.

Best Insurance Companies in Florida

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Cheapest Florida auto insurance companies
Rank Company Cost Per Year
1 USAA $986
2 Electric $1,694
3 Amica $1,694
4 Progressive $1,775
5 Travelers $1,888
6 Mercury $1,992
7 Allied $2,004
8 Esurance $2,102
9 State Farm $2,131
10 Auto-Owners $2,149
11 GEICO $2,150
12 Allstate $2,317
13 21st Century $2,445
14 Windhaven Insurance $2,575
15 MetLife $2,870
16 Safeco $2,927
17 Hanover $3,024
18 Liberty Mutual $3,101
19 United Automobile $3,457
20 Direct General $3,942
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USAA offers some of the most affordable car insurance rates in Orlando at around $986 a year. This is $1,462 less than the average policy premium paid by Florida drivers of $2,448. Electric, Amica, Progressive, and Travelers also qualify as some of the cheaper Orlando, FL insurance companies.

As the example above demonstrates, if you are a policyholder with Amica and switched to USAA, you might see an annual savings of roughly $708. Drivers with Progressive could save as much as $789 a year, and Travelers insureds might cut rates by $902 a year.

To compare your rates to other Florida insurance companies, click here to start your custom quote or visit any of the companies below.

It’s important to note that these prices are averaged across all drivers and vehicles in Florida and do not factor in a specific zip code for infrequent drivers. So the auto insurance company that has the cheapest price for you may not even be in the top 21 companies in the list above. That affirms the importance of why you need to quote rates from many companies using your own driver and vehicle profiles.

Does full coverage make sense?

Saving money when shopping for insurance is important to the majority of drivers, and one of the fastest ways to buy cheap insurance for infrequent drivers is to not buy full coverage. The diagram below visualizes the comparison of car insurance rates when comparing full coverage to liability only. The premiums are based on no driving violations, no at-fault accidents, $500 deductibles, drivers are single, and no discounts are applied to the premium.

Averaged for all ages 20 through 70, physical damage coverage on your policy costs $2,619 per year more than carrying just liability coverage. That touches on the question when is the right time to remove full coverage. There isn’t a written rule of when to drop physical damage insurance, but there is a guideline you can use. If the annual cost of coverage is more than about 10% of any settlement you would receive from your insurance company, then it could be time to drop full coverage.

The diagram below highlights how deductible choice can change insurance costs when getting quotes for cheap insurance for infrequent drivers. The prices are based on a single male driver, comp and collision included, and no additional discounts are factored in.

The data above shows that a 40-year-old driver could lower rates by $410 a year by increasing from a $100 deductible to a $500 deductible, or save $618 by using a $1,000 deductible. Young drivers, like the 20-year-old example, could lower their rates as much as $1,354 annually just by using higher deductibles. If you do make the decision to raise your deductibles, it is important to have spare funds to satisfy the extra out-of-pocket expense, which is the main drawback of higher deductibles.

How to find the cheapest insurance for infrequent drivers

The list below shows some of the recommended thrifty ideas that can help you buy lower-cost auto insurance.

The last tip in the list is very critical, as was affirmed in this piece. Car insurance rates in Orlando change constantly, so drivers shouldn’t hesitate to switch companies if you find a cheaper price. Being loyal to a particular company is commendable, but it’s not a great idea if that dedication is costing money that could be used for better things. Spend a few minutes and compare prices to find cheaper car insurance for infrequent drivers.